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Stafford Savings Bank

$100M-$1B Specialty: Other CT FDIC cert 18227

Designations: ✓ Mutual

Stafford Springs, CT

3 branches across CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in CT.
  • Deposits +7.6% year over year ($202.2M on the books).
  • Delinquency rate 0.57%.
  • Return on assets 8.23%.
  • Efficiency ratio 50.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 32.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in CT
View $100M-$1B leaderboard (CT) →

Stafford Savings Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 1.7% in tier
  • + Efficiency Ratio 13.49% below tier average
  • + Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 42.0% in tier
  • - Net Interest Margin 1.61% below tier average
  • - Non-Interest-Bearing Deposit Share 17.07% below tier average
Get updates when Stafford Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $507.0M
+13.0% YoY -0.1% QoQ
+$120.5M $386.6M
+1.2% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $65.4M
-0.6% YoY +0.2% QoQ
-$193.0M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 5.7% in tier
Total Deposits ? $202.2M
+7.6% YoY -10.4% QoQ
-$124.5M $326.7M
+0.7% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 8.23%
+54.5% YoY +229.1% QoQ
+6.91% 1.32%
+10.8% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
Top 0.3% in tier
Net Interest Margin ? 2.37%
-5.4% YoY +1.3% QoQ
-1.61% 3.99%
+5.0% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
Bottom 2.3% in tier
Efficiency Ratio ? 50.99%
-0.1% YoY -0.4% QoQ
-13.49% 64.48%
-3.2% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.57%
+76.5% YoY +163.4% QoQ
-0.35% 0.92%
+15.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 32.31%
-7.6% YoY +11.8% QoQ
-45.64% 77.95%
+1.0% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
Top 2.1% in tier
Non-Interest-Bearing Deposit Share ? 4.96%
-13.7% YoY -10.7% QoQ
-17.07% 22.03%
-0.6% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
Bottom 3.6% in tier
Nonperforming Asset Ratio ? 0.07%
+55.3% YoY +164.1% QoQ
-0.60% 0.67%
+16.4% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 32.01%
-1.1% YoY -1.6% QoQ
+16.10% 15.91%
+1.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
Top 3.3% in tier
Non-Interest Income / Assets ? 0.08%
-5.7% YoY +77.9% QoQ
-0.49% 0.57%
+7.6% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
Bottom 12.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Noninterest-Bearing 5.0%
-0.8pp YoY
-0.6pp QoQ
 -17.2pp 22.1% 22.1% 22.2% 3%
Brokered Deposits n/a n/a 7.9% 8.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I n/a n/a 11.6% 11.4% 12.5% n/a
CRE n/a n/a 39.5% 42.4% 41.4% n/a
1-4 Family 95.2%
-2.6pp YoY
-0.4pp QoQ
 +62.6pp 32.6% 42.2% 31.3% 99%
Consumer 2.2%
-0.1pp YoY
-0.2pp QoQ
 -2.0pp 4.1% 4.1% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 32.0%
-0.4pp YoY
-0.5pp QoQ
 +13.2pp 18.8% 15.0% 19.7% 94%
Leverage Ratio 50.6%
+0.8pp YoY
+4.0pp QoQ
 +38.4pp 12.2% 12.7% 12.6% 100%
Total Capital Ratio 32.2%
-0.4pp YoY
-0.5pp QoQ
 +12.2pp 19.9% 16.0% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 27
-3 (-10.0%) YoY
-4 (-12.9%) QoQ
 -32 58 342 482 22%
Assets per Employee ($) $18.8M
+25.5% YoY
+14.7% QoQ
 +$11.3M $7.5M $9.9M $8.8M 99%
Branch Count 3
0 YoY
0 QoQ
 -2 4 19 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.6%
+0.2pp YoY
+0.4pp QoQ
 -0.4pp 0.9% 0.7% 1.0% 56%
Allowance Coverage 3.33x
-41.1% YoY
-62.7% QoQ
 -20.83x 24.15x 4.87x 20.23x 61%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 17.3%
+6.1pp YoY
+12.0pp QoQ
 +5.1pp 12.2% 8.2% 11.6% 79%
Cost of Funds (YTD) 0.4%
+0.1pp YoY
0.0pp QoQ
 -1.3pp 1.7% 1.7% 1.7% 2%
Net Income ($, YTD) $20.4M
+76.5% YoY
— QoQ
 +$17.9M $2.6M $28.0M $40.4M 100%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#12 of 661 • Top 1.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 8.23%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Credit Quality Pressure

risk
#528 of 1256 • Bottom 42.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.57%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

10
Return on Assets
profitability
Value: 8.23%
Peer Median: 1.32%
#10 of 2643 Top 0.3% in $100M-$1B
56
Loan-to-Deposit Ratio
liquidity
Value: 32.31%
Peer Median: 77.95%
#56 of 2643 Top 2.1% in $100M-$1B
87
Tier 1 Capital Ratio
capital
Value: 32.01%
Peer Median: 15.91%
#87 of 2643 Top 3.3% in $100M-$1B
498
Efficiency Ratio
profitability
Value: 50.99%
Peer Median: 64.48%
#498 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (4 metrics)

2584
Net Interest Margin
profitability
Value: 2.37%
Peer Median: 3.99%
#2584 of 2643 Bottom 2.3% in $100M-$1B
2548
Non-Interest-Bearing Deposit Share
funding
Value: 4.96%
Peer Median: 22.03%
#2548 of 2643 Bottom 3.6% in $100M-$1B
2493
Total Loans
size
Value: $65.35M
Peer Median: $258.35M
#2493 of 2643 Bottom 5.7% in $100M-$1B
2327
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2327 of 2643 Bottom 12.0% in $100M-$1B
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